In the RBI Grade B exam, while answering questions, it is necessary to make decisions very carefully. Like, which questions you have to attempt based on your knowledge and understanding. Because the risk of negative marking looms over your head. Calculated risk means that if you are unsure about a question but think you can eliminate some wrong options, then guessing can benefit you. But if your guess is just illogical or casual, then you may have to bear the loss. Because in this exam, there is negative marking for wrong answers, which means that if you give any incorrect answer, you will lose some marks for it. Through this blog, we will understand how negative marking can affect your RBI Grade B exam result, and how, through regular practice and good preparation, you can avoid it.
Negative Marking in RBI Grade B Phase 1 Exam
RBI Grade B Phase 1 exam is the first stage of the exam. And if you fail to clear this phase, then you will not be able to reach the second stage, that is, Phase 2. There is negative marking in this stage of the exam as well, which says:
- For one wrong answer, 1/4 (0.25) negative marks will be deducted.
- If a candidate leaves a question, meaning does not attempt it, then no marks will be deducted.
Also, know why RBI Grade B Phase 1 Exam: The Silent Eliminator of 99% Aspirants & What is the Finance and Management Syllabus for RBI Grade B Exam?
Negative Marking in RBI Grade B Phase 2 Exam
Now, the discussion comes to the second stage of the exam. In this phase of the exam, there is a negative marking scheme in the objective part of the ESI and FM papers as well. That is why, keep the five points given below in mind during your preparation.
- There will be a negative marking scheme of 1/4th mark for giving a wrong answer in the objective part of the ESI and FM papers.
- 0.25 and 0.50 marks will be deducted for each incorrect answer for 1 marker and 2 marker objective questions respectively.
- No marks will be deducted if a candidate leaves a question unanswered.
- There will be no negative marking in the descriptive English paper.
- There will be no negative marking in the descriptive part of the ESI and FM papers as well.
Also read, How to Prepare Finance and Management for RBI Grade B?
Smart Tips to Take Calculated Risks While Answering RBI Grade B Questions
We discussed that taking a calculated risk in the RBI Grade B exam means making smart decisions while answering questions during the exam. Candidates who become proficient at making such decisions not only avoid unnecessary negative markings but also maximize their scores. Therefore, before the exam, you should follow the tips given below and master the art of taking calculated risks:
- Answer a question only when you have confidence that you might know the answer.
- Before guessing, eliminate the options you think are wrong.
- Leave questions where you feel you don’t know the answer, so you can avoid negative marking.
- Guess only when you can narrow the options down to two choices.
- Try to manage your time smartly and avoid hasty guesses.
- Practice as many RBI Grade B mock tests as possible to reduce mistakes, improving both speed and accuracy while minimizing errors.
- Tackle scoring and easy questions first, and save the difficult ones for later.
- Guess only when you feel you can logically work out the answer.
- Avoid any kind of pressure or stress while answering questions, so you can make the right decisions while answering or guessing.
- Take a free mock test, try following all the tips mentioned above, and learn through feedback how to become an intelligent guesser.
Takeaway
Keep in mind all the points mentioned above while preparing for the upcoming RBI Grade B 2025 exam and train your mind to follow them while attempting mock test practice. It is essential to avoid negative marks. It decreases your overall score if you do not learn the art of avoiding it. The best way to do so is by taking a good RBI Grade B preparation course packed with the latest mock tests. It will not only contain expert guidance but also show you the right direction. If you are serious about avoiding negative markings and boosting your score with smart guessing, you can opt for one of the most effective and affordable online courses below.
RBI Grade B Non Video Courses + Phase 1 & 2 Tests
This is one of its one-of-a-kind courses that is packed with effective study notes and top-notch practice materials. It gives you 10 complete Phase I mock tests including Quantitative Aptitude with Reasoning and English and 15 Sectional Exams and 30 Phase II mock tests with Objectives and Descriptive segments. Ana what’s more! It accompanies feedback and chapter tests specifically designed for ESI and FM. It’s therefore a complete pack for superb preparation.

Make this package yours, and take a free mock test to identify your weaknesses! Remember, practice is the bridge to success. Practice as much as you can. And whenever you practice, keep the quote given below in mind:
”Practice does not make perfect. Only perfect practice makes perfect.” – Vince Lombardi
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